Trupanion makes things simple by offering one plan that pays 90% of actual veterinary costs for eligible claims once the deductible for that condition is met. They are the only provider that has the option to pay your veterinarian directly and can do so in 5 minutes or less, you simply take care of your portion and Trupanion will work with your veterinarian to pay the remainder.

Learn more about Trupanion Canada's plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider. 

Average customer rating

9.1 Out of 10
60 Days 1 Year Lifetime
Rating 7.1 8.9 9.1
Count 26 401 8345

Trupanion

10
Out of 10
Insurer: Trupanion
Posted: 03/25/2010
By:
CE

My dog ate my wife's underwear had to have emergency surgery to get it out of his stomach and intestine. I live in NYC so the vet is SUPER expensive. The bill was $4780!Trupanion paid 90% no hassle... and I had a check within 7 days!
The fact that they...

Injury/illness
Claim Amount
Breed
Age of Pet
10
Out of 10
Insurer: Trupanion
Posted: 03/22/2010
By:
sharona

We can't believe how easy and quick it is for claim approvals. Our bulldog has had numerous health issues and the process was seamless in getting reimbursement.I wish my own health plan was as easy.

Injury/illness
Claim Amount
Breed
Age of Pet
10
Out of 10
Insurer: Trupanion
Posted: 03/20/2010
By:
john canterino

took max for hip x-rays. The claim was handled quickly and fairly. I have two other dogs insured and will add another in summer. I am most pleased int he way this arrangement has worked to date.

Injury/illness
Claim Amount
Breed
Age of Pet
9
Out of 10
Insurer: Trupanion
Posted: 03/17/2010
By:
Carol Moerth

We have used other insurers but due to rapidly increasing premiums, we have ended up with both our dogs on Trupanion. One of our dogs was diagnosed with Lymphoma 14 months ago. Because we had insurance, we didn't even think twice about whether or not to...

Injury/illness
Claim Amount
Breed
Age of Pet
Monthly Cost

Monthly cost varies due to multiple factors including: your pet's breed, age at enrollment, and gender, the chosen deductible and the cost of veterinary care in your area.

Monthly premiums do not automatically increase just because your pet has a birthday or just because you file a claim.

 

Coverage

90% coverage for all new injuries and illnesses—once the deductible is met, Trupanion pays 90% of the remaining invoice.

Coverage for all hereditary and congenital conditions, as well as hip dysplasia without any additional waiting periods.

Alternative therapies, such as acupuncture, physical therapy, hydrotherapy, are available under the Recovery and

Complementary Care Rider.

Trupanion pays off the invoice, no “usual & customary” limits and has the ability to pay your veterinarian directly and in as little as 5 minutes. You simply pay your portion at check-out and Trupanion works with your veterinarian directly to take care of the rest.

 

Payout Limits

Unlimited lifetime coverage with no payout limits or caps.

 

Deductible

Offers a flexible deductible from $0 - $1000, to fit any budget and can be raised or lowered at any time.

A lifetime, per condition deductible meaning that once the deductible is met for a condition is met you policy begins paying out at 90% for anything related to that condition for the rest of your pet's life. *This is great for chronic conditions that can span the entirety of a pets life such as allergies or cancer.

 

Age Limits

Pet must be at least 8 weeks old and under 14 years old to enroll.

Once enrolled, pets stay insured regardless of age and coverage will not change.

 

Waiting Period

Coverage begins 30 days after date listed on policy. 

 

Exclusions

Pre-existing conditions are not covered. 

Alternative therapies are available for an extra amount. 

 

Trupanion’s biggest differentiator is that they can pay your veterinarian directly and in as little as 5 minutes. With the vet direct pay option, there is no waiting weeks for reimbursement. You simply pay your portion of the bill and Trupanion takes care of the rest, working directly with your veterinarian.

Trupanion offers one simple plan that pays 90% of actual veterinary costs for eligible claims once your deductible for that condition is met and offers unlimited lifetime coverage with no payout limits or caps.